Midland States Bancorp Posts Q2 2026 Adjusted EPS of $0.82, NIM Expands to 3.98%
MSBI has more than doubled off its 52-week low of $14.24.
Summary
Midland States Bancorp filed an investor presentation detailing Q2 2026 results: adjusted EPS of $0.82, NIM of 3.98%, and CET1 of 10.4%, with record wealth management revenue and continued deposit growth.
Key Events · Earnings and Guidance · MSBI
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Q2 2026 Adjusted EPS of $0.82
Net income available to common shareholders was $17.7 million, or $0.82 per diluted share on an adjusted basis, up from $0.74 in Q1 2026.
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Net Interest Margin Expands to 3.98%
NIM increased 7 basis points from the prior quarter, driven by a favorable shift in investment securities mix, higher loan yields, and lower funding costs.
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Record Wealth Management Revenue
Wealth management fees reached a record $8.8 million, up from $8.2 million in Q1, with assets under administration rising to $4.78 billion.
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Strong Capital and Deposit Growth
CET1 ratio improved to 10.4%, exceeding the near-term target of 10%, while total deposits increased $267.2 million to $5.71 billion, reducing the loan-to-deposit ratio to 74.4%.
Analysis · MSBI · Finance
The investor presentation filed as an 8-K exhibit provides a comprehensive update on Q2 2026 performance, showing improved profitability with adjusted EPS of $0.82, up from $0.74 in Q1, and net interest margin expanding to 3.98%. The bank continues to strengthen its balance sheet, with CET1 capital reaching 10.4% and deposits growing $267 million. Credit quality remains a focus, with non-performing assets flat at 0.91% of assets despite a $1.9 million increase in NPAs. The presentation also highlights record wealth management revenue of $8.8 million and ongoing reduction of non-core loan portfolios. This filing gives investors a detailed look at the bank's trajectory following the recent Q2 earnings release, reinforcing the positive trends in core banking and fee income.
How filings like this one have moved
In the 30 days to Sep 16, 2026, 30% of the 1759 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.34%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, MSBI was trading at $33.22 on NASDAQ in the Finance sector, with a market capitalization of approximately $680.6M. The 52-week trading range was $14.24 to $33.11. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.